Merchants & Farmers Bank & Trust Company
Leesville, LA · Cert 9319 · Peer group: banks under $1B in assets (n=581-629) · Merchants&Farmers Bancshares
State charter, non-member · FDIC · 9 branches
Q2 2026
$541.4MAssets
$270.7MLoans
$486.0MDeposits
$53.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 49% of banks under $1B in assets (rank 318 of 629).
- Widest gap: total risk-based capital ratio trails 79% of banks under $1B in assets (rank 500 of 629).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.91%
Rank 365 of 629
Net Interest Margin
3.36%
Rank 370 of 629
Efficiency Ratio
69.08%
Rank 335 of 629
Equity / Assets
9.83%
Rank 393 of 629
Non-interest income vs. expense
Unfavorable gap of $12.0M · efficiency ratio beats 47% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.91% | 0.60% | 1.01% | 1.45% | Beats 42% | 365 / 629 | | |
| Return on Equity | 9.28% | 5.38% | 9.30% | 13.28% | Beats 49% | 318 / 629 | | |
| Net Interest Margin | 3.36% | 3.03% | 3.54% | 4.05% | Beats 41% | 370 / 629 | | |
| Efficiency Ratio | 69.08% | 58.35% | 67.79% | 79.08% | Beats 47% | 335 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.09% | 0.46% | 1.20% | Beats 39% | 355 / 581 | | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 34% | 382 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 11.17% | 11.24% | 13.84% | 18.77% | Beats 24% | 475 / 629 | | |
| Total Risk-Based Capital Ratio | 11.17% | 11.58% | 14.43% | 19.66% | Beats 21% | 500 / 629 | | |
| Equity / Assets | 9.83% | 9.09% | 10.65% | 13.80% | Beats 38% | 393 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.70% | 67.24% | 80.90% | 93.48% | 14th pctl | 509 / 594 | | |
| Loans / Assets | 49.99% | 53.31% | 67.71% | 78.15% | 21st pctl | 496 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |